Checking

Personal/Accounts

Why Pay for Your Checking Account? At Freedom First, We Pay You.

Choose your perks with Freedom Checking, Freedom Cash, or Freedom Stash. No minimum balance is required for any one of these options. Earn 2% cash back on your debit card purchases up to $1,0001 with Freedom Cash, or earn up to 5.00% APY2 on Average Daily Balances (ADB) with Freedom Stash. Or keep it simple with the no-hassle Freedom Checking.

*Annual Percentage Yield (APY) as of 2/13/2019. Freedom Cash and Freedom Stash accounts will pay perks on the last day of each month, based on account activity in that month on the condition that the member is enrolled in Direct Deposit of at least $1,000. If Direct Deposit into the account drops below $1,000 for two consecutive months, the Monthly Account Fee of $9 will be charged for each month that Direct Deposit continues to remain below $1,000. The Monthly Account Fee will be waived for the first two consecutive months after the new account opening, regardless of Direct Deposit amount during that time. Fees may reduce earnings.

**"Direct Deposit" is defined as ACH deposits only and will not include check or cash deposits done either in-branch or remotely. ACH deposits may be any combination of your paycheck, social security check, dividend deposits, and other such automated deposits. Call us at 540-389-0244 (local) or 866-389-0244 (toll-free) with questions about what qualifies as an ACH deposit. Download the Direct Deposit Form here. "Enrolled in eStatements" is defined as being enrolled only in eStatements and not receiving a paper statement. Accounts receiving a paper statement will be subject to the Paper Statement Fee of $2.

No new Index Checking and Optimum Checking accounts will be opened after September 17, 2018. A member that has Freedom Checking, Index Checking or Optimum Checking before September 17, 2018 can continue with the same terms, conditions, and fees. To get the best rates and new, additional benefits, members in these accounts may switch to the newly instituted Freedom Cash or Freedom Stash checking accounts. New Freedom Checking accounts opened after September 17, 2018 will incur a Paper Statement Fee each month unless enrolled in eStatements. An e-sign will be required to sign up for eStatements.

Nationally and Regionally Competitive. Locally Headquartered.

Freedom Cash and Freedom Stash offer nationally and regionally competitive perks that rival many banks† — and they're right here in your community.

†Comparison based on data compiled in September 2018 from company websites and consumer checking offers. In some cases competitors assess and/or waive fees if certain criteria are met. Perks, terms, and conditions for each competitor product may have changed since publishing this page on September 17, 2018. Registered trademarks are properties of their respective owners.